EFT File Format Maintenance

This program lets you design the format for an EFT payment file according to the specification of the financial institution. This information is stored in the EftPayFormat and EftPayFormatDet tables.

The program maps fields to the XML elements created by the EFT Payments Extract and EFT Payments Re-extractprograms, which can include custom form fields from the EftBankCtl, EftApSupplier and EftCshSupplier tables.

Exploring

This program is accessed from the Program List of the SYSPRO menu:

  • Program List > Electronic Fund Transfer > Setup

NACHA, originally the National Automated Clearinghouse Association, manages the ACH Network, which is the backbone for the electronic movement of money and data in the United States, and is an association for the payments industry.

CPA stands for Canadian Payments Association (also called Payments Canada), which is an organization that operates a payment clearing and settlement system in Canada.

Starting

To use this program, the following module(s) must be installed according to the terms of your software license agreement:

  • Electronic Funds Interface

  • Electronic Funds Transfer

You can restrict operator access to programs by assigning them to groups and applying access control against the group (configured using the Operator Groups program).

You can restrict operator access to programs by assigning them to roles and applying access control against the role (configured using the Role Management program).

Solving

This message is displayed when you have attempted to access the EFT File Format Maintenance program, but your system is not configured to use the Electronic Funds Interface module.

Ensure that your license agreement allows you access to the Electronic Funds Interface module.

Using

  • Columns in a listview are sometimes hidden by default. You can reinstate them using the Field Chooser option from the context-sensitive menu (displayed by right-clicking a header column header in the listview). Select and drag the required column to a position in the listview header.

  • Fields on a pane are sometimes removed by default. You can reinstate them using the Field Selector option from the context-sensitive menu (displayed by right-clicking any field in the pane). Select and drag the required fields onto the pane.

    The captions for fields are also sometimes hidden. You can select the Show Captions option from the context-sensitive menu to see a list of them. Click on the relevant caption to reinstate it to the form.

    If the Show Captions option is grayed out, it means no captions are hidden for that form.

  • Press Ctrl+F1 within a listview or form to view a complete list of functions available.

Position Length Name Contents Description & Comment

1-1

1

Record Type Code

1

Constant

2-2

3

Priority Code

01

Constant

4-13

10

Immediate Destination

bNNNNNNNNNN

Typically your bank's 9-digit ABA Routing number, with a preceding blank space. Determined by your bank.

14-23

10

Immediate Origin

Numeric

Typically, 1 + your federal ID number.

Determined by your bank.

24-29

6

File Creation Date

YYMMDD

Must be in YYMMDD format

30-4

33

File Creation Time

HHMM

Must be in 24-hour HHMM format

34-34

1

File ID Modifier

Alphanumeric

Alphanumeric field, upper-case A-Z and 0-9 allowed.

Start with A and increment for each file created during the calendar day.

35-37

3

Record Size

094

Constant

38-39

2

Blocking Factor

10

Constant

40-40

1

Format Code

1

Constant

41-63

23

Immediate Destination Name

Alphanumeric

Your bank's name

64-86

23

Immediate Origin Name

Alphanumeric

Your company's name

87-94

8

Reference Code

Blank

8 blank spaces - constant
Position Length Name Contents Description & Comment

1- 9

 1

Record Type Code

1

Constant

2-7

 6

Batch Count

Numeric

The number of batches in file

8-13

 6

Block Count

Numeric

The number of blocks in file

(10 records = 1 block)

14-21

 8

Entry/Addenda Count

Numeric

The number of detail entry (transactions) and addenda records within the file.

22-31

 10

Entry Hash

Numeric

The sum of the receiving DFI ID (first 8 digits of the other party's ABA routing number) for each entry/transaction within the file.

If the sum exceeds 10 places, use the rightmost 10 digits.

32-43

 12

Total Debit Entry Dollar Amount

Numeric

Total debits for the file.

No decimal.

44-55

 12

Total Credit Entry Dollar Amount

Numeric

Total credits for the file.

No decimal.

56-94

39

Reserved

Blank

Constant
Position Length Name Contents Description & Comment

1-1

1

Record Type Code

5

Constant

2-4

3

Service Class Code

200

220

225

Represents whether the batch contains:

200 Both debits and credits, mixed

220 Credits

225 Debits

5-20

16

Company Name

Alphanumeric

Your company name.

Often the same as the Immediate Origin Name in the file header.

PRINTED - This value will appear on the other party's bank statement.

21-40

20

Company Discretionary Data

Alphanumeric

Optional (as instructed by your bank)

Otherwise (typically), leave blank.

41-50

 10

Company Identification

Numeric

Typically, 1 + your Federal ID number.

Determined by your bank.

Often the same as the Immediate Origin ID in the file header.

No hyphen, numbers only.

51-53

 3

Standard Entry Class Code (SEC)

PPD

CCD

3 letter mnemonic which identifies the batch and its' layout.

PPD is used if the other party is an individual (ie. payroll).

CCD is used if the other party is a corporate account (ie. vendor payments and customer collections).

Other values (not part of this layout/sample) include ARC, BOC, CTX, IAT, TEL and WEB.

54-63

 10

Company Entry Description

Alphanumeric

A description of the general nature of the transactions to help the other parties identify the purpose, e.g. Payroll, Payables, etc.

PRINTED - This value will appear on the other party's bank statement.

64-69

 6

Company Descriptive Date

Alphanumeric

Optional, often YYMMDD.

Descriptive date - often in YYMMDD format with the same value as the effective date.

Useful in recurring transaction scenarios, such as payroll.

PRINTED - This value may appear on the other party's bank statement.

70-75

 6

Effective Entry Date

YYMMDD

Effective / transaction date.

Date the other party is debited or credited.

76-78

 3

Reserved

Blank

Julian Settlement Date - left blank.

Will be filled in by your bank.

79-79

 1

Originator Status Code

1

Constant

80-87

 8

Originating DFI ID

Numeric

Enter the first 8 digits of your ABA routing number.

88-94

 7

Batch Number

 Numeric

Start with 00000001 and increment by 1 for each batch.
Position Length Name Contents Description & Comment

1-1

1

Record Type Code

8

Constant

2-4

3

Service Class Code

200

220

225

Represents whether the batch contains:

200 Both debits and credits, mixed

220 Credits

225 Debits

Must match the entry in the batch header.

5-10

6

Entry/Addenda Count

Numeric

Number of detail entry (transactions) and addenda records within the batch.

11-20

10

Entry Hash

Numeric

Sum of the receiving DFI ID (first 8 digits of the other party's ABA routing number) for each entry/transaction within the batch.

If the sum exceeds 10 places, use the rightmost 10 digits.

21-32

12

Total Debit Entry Dollar Amount

Numeric

Total debits for the batch.

No decimal.

33-44

12

Total Credit Entry Dollar Amount

Numeric

Total credit for the batch.

No decimal.

45-54

10

Company Identification

Numeric

Typically, 1 + your Federal ID number.

Determined by your bank.

Must match the entry in the batch header.

55-73

19

Message Authentication Code

Blank

Blank

74-79

6

Reserved

Blank

Blank

80-87

8

Originating DFI ID

Numeric

Enter the first 8 digits of your ABA routing number.

Must match the entry in the batch header.

88-94

7

Batch Number

Numeric

Start with 00000001 and increment by 1 for each batch.

Must match the entry in the batch header.
Position Length Name Contents Description & Comment

1-1

1

Record Type Code

6

Constant

2-3

2

Transaction Code

22

32

27

37, etc.

For credit (ie. payroll, vendor payments) transactions:

22 Checking account

32 Savings account

For debit (ie. collections from a customer's) transactions:

27 Checking account

37 Savings account

For pre-notes:

23/28 for checking credit/debit

33/38 for savings debit/credit

See ACH rules for additional codes.

4-11

8

Receiving DFI ID

Numeric

The first 8 digits of the other party's ABA routing number.

12-12

1

Check Digit

Numeric

The last digit of the other party's ABA routing number.

13-29

17

DFI Account Number

Alphanumeric

The other party's account number.

This is an alphanumeric field and should be left justified zero padded.

30-39

10

Amount

Numeric

Transaction amount.

No decimal.

40-54

15

Identification Number

Alphanumeric

Optional

This helps the receiver (other party) identify themselves within your system, should they need to contact you.

This is typically their account number.

PRINTED - This value may appear on the other party's bank statement.

55-76

22

Receiving Company Name

Alphanumeric

The other party's company name (in CCD) - or if this is a consumer transaction (in PPC) such as payroll, then the individual's name.

77-78

2

Discretionary Data

Alphanumeric

Typically blank, unless instructed otherwise by your bank.

79-79

1

Addenda Record Indicator

0 or 1

0 - No addenda following

1 - Addenda following

80-94

15

Trace Number

Numeric

The first 8 digits of the originating DFI number, followed by the entry detail sequence number.
Position Length Name Contents Description & Comment

1-1

1

Record Type Code

7

Constant

2-3

2

Addenda Type Code

05

Constant

The only valid value for CCD and PPD origination, but other SEC codes can contain other values.

4-83

80

Payment Related Information

Alphanumeric

Invoice or other remittance information specific to the entry detail / transaction.

PRINTED - This value may appear on the other party's bank statement

Don't rely on the other party for obtaining this information. Most banks require an election for additional services to receive this.

84-87

4

Addenda Sequence Number

0001

As PPD and CCD codes only support 1 addenda record, this will always be 0001.

88-94

7

Entry Detail Sequence Number

Numeric

This 7-digit field contains the last 7 digits of the related (preceding) entry detail / transaction record's trace number.
Position Length Name Contents Description & Comment

01-01

1

Record Type

Alphanumeric

A

02-10

9

Record Count

Numeric

000000001

11-20

10

User Number

Alphanumeric

10-digit client number

21-24

4

File Creation Number

Alphanumeric

4-digit number (numeric) to identify this file.

25-30

6

File Creation Date

Numeric

Format 0YYDDD

31-35

5

Processing Center

Numeric

The centre where the file will be processed (5-digit Institution ID).

36-55

20

Reserved

Alphanumeric

Leave blank

56-58

3

Destination Currency Code ID

Alphanumeric

USD or CAD - if blank, defaults to the currency of service

59-1464

1406

Filler

Alphanumeric

Leave blank
Position Length Name Contents Description & Comment

01-01

1

Record Type

Alphanumeric

C

02-10

9

Record Count

Numeric

Increment by 1

11-20

10

Client Number

Alphanumeric

10-digit client number

21-24

4

File Creation Number

Alphanumeric

Number to identify this file.
SEGMENT ONE

25-27

3

Transaction Code

Alphanumeric

 3-digit transaction code as defined by the CPA '450'

28-37

10

Amount

Numeric

 Payment amount format (implied decimal)

38-43

6

Payment Date

Numeric

 Format 0YYDDD - cannot be more than 30 days in the past or 173 days in the future

44-52

9

CAD Financial Institution and Branch Transit #

Numeric

 0999 Bank Number plus 99999 Branch Transit

53-64

12

Account Number

Alphanumeric

 Enter all significant digits

65-86

22

Reserved

Numeric

Zero fill

87-89

3

Reserved

Numeric

Zero fill

90-104

15

Client Short Name

Alphanumeric

One word. Will appear on customer statements. (No zeros)

105-134

30

Customer Name

Alphanumeric

If missing, payment will reject.

135-164

30

Client Name

Alphanumeric

Client Long name.

165-174

10

Client Number

Alphanumeric

10-digit EFT account number assigned by bank

175-193

19

Customer Number

Alphanumeric

Client-assigned ID number (some banks require).

194-202

9

Reserved

Numeric

Zero fill

203-214

12

Reserved

Alphanumeric

Blank

215-229

15

Client Sundry Information

Alphanumeric

Optional to client; electronic message printed on some customer bank statements.

230-251

22

Reserved

Alphanumeric

Blank

252-253

2

Reserved

Alphanumeric

Blank

254-264

11

Reserved

Alphanumeric

Blank

SEGMENTS TWO THROUGH SIX (Same as Segment One) 265-1464
Position Length Name Contents Description & Comment

01-01

1

Record Type

Alphanumeric

Z

02-10

9

Record Count

Numeric

Increment by 1

11-20

10

Client Number

Alphanumeric

Must be the same as the Header

21-24

4

File Creation Number

Alphanumeric

Number to identify this file.

Must be different (or higher) from previous numbers.

25-38

14

Reserved

Numeric

Zero fill

39-46

8

Reserved

Numeric

Zero fill

47-60

14

Total Value of Transactions

Numeric

Total value of record type C transactions.

Right justify with leading zeros.

Format with implied decimal. Credit

61-68

8

Total Number of Transactions

Numeric

USD or CAD - if blank, defaults to the currency of service

69-1464

1396

Filler

Numeric

Zero fill

Referencing

This lets you capture a new data record.

This deletes the highlighted data record.

This saves the details you entered or changed.

This lets you enter or select a unique code for the file format you want to add or maintain.

This displays the Format Templates window and lets you select a predefined file format.

Field Description

Description

This lets you enter a description for the EFT file format.

This is the file format you can select at the Bank payment format field in the EFT Bank Control program.

Format type

This lets you select the file format type, which is either NACHA or CPA005.

Standard entry class

This lets you select the type of transactions that will be included in the EFT file format so that the entries in the batch can be identified.

Generate company control

Enable this to indicate that the company control record (Type 8) must be included in the file that is generated for submission to a financial institution.

This option is required by and only enabled for the NACHA format.

Generate file control

Enable this to indicate that the file control record (Type 9) must be included in the file that is generated for submission to a financial institution.

This option is required by and only enabled for the NACHA format.

Create balanced file

Enable this to indicate that the debits and credits in the XML file must be equal. To achieve this, an offset record must be added to balance the file.

This is required by some financial institutions.

  • The offsets are calculated by effective date. If a file has transactions with multiple effective dates, you must group and total the transactions by date and then create multiple offset transactions, one for each effective date.

  • This option is required by and only enabled for the NACHA format.

Max line length

This lets you indicate the maximum line length per transaction in the XML file.

This pane displays the record types and record titles, which depend on the file format selected at the Format type field.

Field Description

Field mapping

This indicates the type of field, which could be one of the following:

  • System date

  • System time

  • Data field

    This is used for numeric and alphanumeric data.

  • Fixed value

    This is used when the value is constant and may not be changed.

Field name

This indicates the name of the field.

Length

This indicates the length of the field, i.e. the number of characters.

Fixed value

This indicates the constant value assigned to fixed value fields, as required by the financial institution.

Field description

This indicates the description of the field.

Calculation

This indicates if a calculation is assigned to the field.